Privacy policy

Last updated August 2026. This policy covers the SkipTheFees.ca website. If you become a client, a separate written service agreement and consent apply to your file, and those documents govern.

Who we are

SkipTheFees.ca is a website and promotional offer of Complete Mortgage Services Inc., a licensed mortgage brokerage. Dallas Hewitt is the licensed mortgage associate responsible for this site and for handling your information.

Complete Mortgage Services Inc.
10621 124 Street, Edmonton, Alberta, T5N 1S5
dallas@skipthefees.ca · 780 885 5114

Alberta files are governed by the Personal Information Protection Act (PIPA) and the Real Estate Act, and are regulated by the Real Estate Council of Alberta. British Columbia files are regulated by BC Financial Services Authority. The Personal Information Protection and Electronic Documents Act (PIPEDA) applies to information handled in the course of commercial activity across provincial borders.

What we collect through this website

Only what you type into the question form: your name, your email address or phone number, your buying timeline, and whatever you write in the message box. Nothing else is collected from you directly on this site.

Our hosting provider records standard technical information when any page loads, such as IP address, browser type, device type, referring page and time of request. This is used to keep the site working and to understand how people find and use it. It is not used to identify you personally.

We do not collect financial information, Social Insurance Numbers, or credit information through this website. Those are only collected as part of a mortgage application, described below.

What we do with it

We use the details you send us to answer your question and to follow up about mortgage financing. That is the whole purpose. We do not sell your information, we do not rent it, and we do not trade it.

Sending a question does not add you to a mailing list. Under Canada's Anti-Spam Legislation we need your consent before sending you commercial electronic messages, and we ask for that separately and clearly.

If you apply for a mortgage

An application is a separate process with its own consent, and it collects much more than this website does. Before we collect your personal information for an application, obtain a credit report, or send your file anywhere, you sign two documents:

• A written service agreement, which sets out what we will do for you, our responsibilities to you, and how we are paid.
• A privacy consent and client authorization, which sets out what personal information we collect, who we may share it with, and how long it is kept.

We obtain your consent in verifiable form before obtaining a credit report. That consent may be in writing, by email, or by recorded conversation.

Who your information goes to

To arrange financing we share your application and supporting documents with parties who need it to assess or complete the transaction. That can include lenders, mortgage default insurers, appraisers, credit bureaus, insurance providers, lawyers or notaries acting on the transaction, and the corporate or licensed office of the brokerage. With your consent, we may also update your real estate professional on the progress of your application.

We share what is needed for the purpose, and nothing beyond it.

How long we keep it

Mortgage files are retained for seven years after the last application made on your behalf, or the end of the mortgage term, whichever is later. This applies whether or not your financing was approved or funded, and reflects the record-keeping obligations that apply to a licensed brokerage.

Website enquiries that do not become files are kept only as long as needed to deal with your question, and are deleted on request.

How it is protected

Files are held securely, whether physically at the office of your mortgage associate or electronically on brokerage systems, with access restricted to people who need it to deal with your file. Our duty to keep your information confidential continues after our work together ends.

One honest caution: information sent over the internet, including ordinary email, can be intercepted. No method of transmission is completely secure. If you need to send something sensitive, ask and we will arrange a secure method.

Your rights

You can ask us, at any time and at no cost, to:

• Tell you what personal information we hold about you, where it came from, and who it has been given to.
• Correct anything that is wrong or out of date.
• Delete information we are not required to keep.
• Withdraw your consent, subject to legal and contractual restrictions and reasonable notice. Withdrawing consent partway through an application may mean we can no longer arrange your financing.

Email dallas@skipthefees.ca or call 780 885 5114. We will respond within the timeframes required by law. We may need to verify your identity first, so that we do not disclose your information to someone else.

If you are not satisfied with how we have handled your information, you may contact the Office of the Information and Privacy Commissioner of Alberta, or the Office of the Privacy Commissioner of Canada.

Mortgage calculators

The calculators under /calculators/ run entirely in your browser. The numbers you type, such as income, debts, balances and rates, are not sent to us or to anyone else and are not stored. If you choose "Copy link to these numbers", your inputs are placed in that link so you can reopen or share it; anyone with the link can see them. If you follow a calculator's "Ask a question" link, only the name of the calculator is added to your question.

Cookies and analytics

This site uses cookies to function correctly and to measure how visitors use it, including which pages they land on and which links they follow. This tells us which parts of the site are working and which are not.

If you arrived from an online advertisement, our advertising provider may set cookies to record that the visit came from that ad. This is used to measure whether the advertising is working.

You can set your browser to warn you about cookies, refuse them, or delete them. Refusing cookies will not stop you from using this site or from applying.

Links to other sites

The Apply button takes you to a secure mortgage application platform operated by a third party. Once you leave this website, the privacy policy of that platform applies to what you enter there. We use it because it is the standard, secure application system for our brokerage.

Changes to this policy

If this policy changes, the updated version is posted here with a new date at the top. Material changes affecting how we handle information already collected will be communicated to affected clients directly.

Questions

Dallas Hewitt, Mortgage Associate
Complete Mortgage Services Inc.
10621 124 Street, Edmonton, Alberta, T5N 1S5
dallas@skipthefees.ca · 780 885 5114